Goldman Wealth Management & Associates LLC

Item 5 Fees and Compensation
Portfolio Management Services
Our fee for portfolio management services is based on a percentage of the assets in your account and
is set forth in the following annual blended-tiered fee schedule:

              Assets Under Management                          Annual Fee*
                       $0 - $500,000                               1.50%
                 $500,001 - $3,000,000                             1.00%
                $3,000,001 - $5,000,000                            0.80%
                     Over $5,000,000                               0.60%
*For example, the applicable management fee for a client with $3,500,000 in portfolio assets would be
as follows: the first $500,000 would be billed at an annual rate of 1.50%; the next $2,500,000 would be
billed at an annual rate of 1.00%; and the remaining $500,000 would be billed at an annual rate of
0.80% (subject to negotiation). While we do not have an account minimum, if we accept accounts of
$250,000 or under we charge a flat rate of $4,000 which is bill quarterly in advance.

Our annual portfolio management fee is typically billed and payable quarterly in advance based on the
balance of your account on the last day of the previous calendar quarter. Deposits or withdrawals
made during the previous quarter affect the management fee calculation by applying a ratio of the
number of days in the period as a proration to the fee. These adjustments for flows in the previous
quarter will adjust the management fee calculation. We may negotiate other fee-paying arrangements
depending on your individual circumstances. If the portfolio management agreement is executed at any
time other than the first day of a calendar quarter, our fees will apply on a pro rata basis, which means
that the advisory fee is payable in proportion to the number of days in the quarter for which you are a
client. If any fees are paid in advance, any unearned fees will be refunded to the client upon
termination. Our advisory fee is negotiable depending on individual client circumstances.

At our discretion, we may combine the account values of family members living in the same household
to determine the applicable advisory fee. For example, we may combine account values for you and
your minor children, joint accounts with your spouse, and other types of related accounts. Combining
account values may increase the asset total, which may result in your paying a reduced advisory fee
based on the available breakpoints in our fee schedule stated above.

We will deduct our fee directly from your account through the qualified custodian holding your funds
and securities. We will deduct our advisory fee only when the following requirements are met:

    • You provide our firm with written authorization permitting the fees to be paid directly from your
      account held by the qualified custodian.
    • The qualified custodian agrees to send you statements (at least quarterly) indicating all
      amounts disbursed from your account including the amount of the advisory fee paid directly to
      our firm.

You may terminate the agreement you enter into with our firm upon seven (7) days' written notice to
our firm in accordance with the terms of the agreement for services. You will incur a pro rata charge for
services rendered prior to the termination of the portfolio management agreement, which means you
will incur advisory fees only in proportion to the number of days in the quarter for which you are a
client.

Financial Planning and Financial Consulting Services
For broad-based financial planning services and/or financial consulting services where we produce a
written plan, we charge a fixed fee ranging up to $5,000 that is payable in advance. The written
financial plan and any other negotiated deliverables are generally delivered within three months from
the date of inception, and under no circumstances will the service engagement exceed a six-month
period from the time you engaged our firm. Clients may terminate the financial planning and/or
financial consulting services agreement you enter into with our firm upon seven (7) days written notice
to our firm. In the event a client is not satisfied with our services, and upon client request, we will issue
a full refund to the client in a timely manner.

Pension Consulting Services
Our advisory fees for these customized services will be negotiated with the plan sponsor or named
fiduciary on a case-by-case basis.

You may terminate the pension consulting services agreement you enter into with our firm upon seven
(7) day's written notice to our firm. You will incur a pro rata charge for services rendered prior to the
termination of the agreement, which means you will incur advisory fees only in proportion to the
number of days in the quarter for which you are a client. If you have pre-paid advisory fees that we
have not yet earned, you will receive a prorated refund of those fees.

Additional Fees and Expenses
As part of our investment advisory services to you, we may invest, or recommend that you invest, in
mutual funds and (possibly) exchange-traded funds. We may also recommend private investments,
such as limited partnerships, to certain "qualified" clients, which have embedded management fees.
The fees that you pay to our firm for investment advisory services are separate and distinct from the
fees and expenses charged by mutual funds, exchange-traded funds, and alternative investments
(described in each fund's prospectus or in the case of a private investment: Private Placement
Memorandum; Subscription Agreement; Operating Agreement; and/or Limited Partnership Agreement)
to their shareholders. These fees will generally include a management fee and other fund expenses.
You will also incur transaction charges and/or brokerage fees when purchasing or selling securities.
These charges and fees are typically imposed by the broker-dealer or custodian through whom your
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Item 7 Types of Clients
We offer investment advisory services to individuals including high net worth individuals, and pension
and profit sharing plans. In general, we do not require a minimum dollar amount to open and maintain
an advisory account; however, we have the right to terminate your account if it falls below a minimum
size which, in our sole opinion, is too small to manage effectively.

We may also combine account values for you and your minor children, joint accounts with your
spouse, and other types of related accounts to meet the stated minimum.